Reporting timings, Correct Radio Phraseology

[PelicanSquawk]

I may get blasted for not knowing this...but I can't find it any where, and it's not come up often enough in the air for me to have heard some one else say it.

So, if some one asks me to report an ETA overhead somewhere, and say that ETA was 15.25, and it is currently 14.20, what would the correct way of saying this be?

"Time fifteenth, two, five" or "Time one, five, two, five", or "Time fifteen, twenty five"

I understand that if the ETA was say, 14.40, I would simply say "Time four, zero".

I just need help with timings past the hour.

Any help is appreciated.

Thanks

PS